Liability coverage is extended to cover operation of unlicensed farm trucks (up to 35,000 lbs) while being used for farming purposes

Coverage can be endorsed for rental dwellings on or off the farm premises and includes coverage for other structures associated with the rental dwelling as well as loss of rental income

Liability and medical payments coverage can be endorsed to cover injuries to farm employees

Coverage can be provided on individual farm animals or the entire herd. Optional coverage for animals includes injuries caused by: electrocution, drowning, accidental shooting, attacks by wild dogs or other animals, collision, and loading or unloading from vehicles

Coverage for qualified farm buildings may be written on a replacement cost basis and collapse coverage is also available

Other Standard Additional Coverages included at no charge ($500 Food Spoilage coverage and Sinkhole Collapse coverage)

Farm MasterGuard Program

For select homes and estates, Loudoun Mutual offers the Farm MasterGuard Program. This program uses a Form 5 policy contract which offers the broadest coverage of any insurance policy readily available. Some highlights are:

Expanded Replacement Cost Coverage is provided at 130% of your dwelling limit in the event there is not enough coverage to rebuild your home after a major loss

The limit for loss by Credit Card, Forgery, etc. is increased to $5,000

Sewer Back-Up Coverage provided for up to the dwelling limit

Coverage for loss of guns or jewelry caused by theft is expanded to $5,000 ($2,500 per item)

Personal Injury Coverage

Policies are written with a minimum of $500,000 in liability coverage and a minimum property deductible of $1,000

Additional Farm Coverages Offered By Loudoun Mutual

Farm Properties Program for farms which do not include an owner-occupied residence

Farms Owned By Corporations, LLCs, Partnerships or Multiple Families

Farm Umbrella Liability Coverage up to $5,000,000

Equipment Breakdown and Service Line Coverage for Farms:

See this brochure for specific information regarding adding Equipment Breakdown Coverage for your farm's operational equipment, such as electrical, ventilation and processing equipment, from mechanical and electrical breakdown. Coverage is also provided for the farm home. In addition, Service Line Coverage is provided for the farm home for repair costs of damage to a variety of underground piping (except gas piping) and wiring that is located on the insured's premises and owned by the insured. Service Line Coverage includes excavation costs, resulting damage to outdoor property such as landscape or hardscape when related to the failure or repair, as well as additional living costs.

There is a Loudoun Mutual agent in your area ready to help you become a policyholder; contact one today!

This summary is intended for informational purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.